Office Loans Investment and Deposit Portfolio Analysis

Loan Performance & Average Loan Balance For Trailing 5 Quarters Loan Performance Northeast Average Loan Balance for Trailing 5 Quarters BANK 10.5% 9.25% 9.0% $3,000 9.52% 9.22% Total $1,263 Total Total $1,368 $1,723 $2,502 $2,509 Total Total 8.69% $2,500 $1,039 $1,048 7.82% 8.48% 7.5% 8.12% 6.91% 7.62% $2,000 7.10% 6.0% 5.82% 6.34% 5.96% Millions $958 $1,500 4.5% 3.0% 1.5% 4.91% 4.75% $880 $789 $1,000 $500 $765 $474 $488 $1,461 $1,463 0.0% $0 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 NIM Originated Loan Yield Purchased Loan Return(1) Purchased Originated (1) Purchased loan return includes purchased loan yield, as well as gain on loan sales, gain on sale of real estate owned and other noninterest income. 22

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